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The Educated HomeBuyer Podcast

Recent Episodes

EP211 - This Is When You Should REFINANCE Your Mortgage
March 2, 2026

EP211 - This Is When You Should REFINANCE Your Mortgage

Interest Rates just hit a 3.5 year low. Should you refinance now or wait? Are you considering refinancing your current mortgage to pay off debt, lower your mortgage payment, get rid of PMI or just get better loan terms? How d...

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LIVE 02_25_26 - Mortgage Rates HIT The Lowest Level In Nearly 4 Years
Feb. 26, 2026

LIVE 02_25_26 - Mortgage Rates HIT The Lowest Level In Nearly 4 Years

Mortgage rates dropped sharply last week but will the trend continue? In this LIVE episode, we’re breaking down what’s really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what ...

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EP210 - Bank Statement Loans Explained: How to Qualify Without Tax Returns
Feb. 23, 2026

EP210 - Bank Statement Loans Explained: How to Qualify Without Tax Re…

If you’re self-employed and your tax returns show far less income than you actually make, you’ve probably been told you don’t qualify for a mortgage. In this episode, we break down exactly how bank statement loans work, how l...

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LIVE 02_18_26 - The FED Is SPLIT On Where Interest Rates Should Go
Feb. 19, 2026

LIVE 02_18_26 - The FED Is SPLIT On Where Interest Rates Should Go

The Federal Reserve Minutes just released confirmed a divided Fed indicating that further interest rate cuts should be paused for now. Does this mean interest rates won't go down? Could they possibly reverse course? In this...

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EP209 - 5 Signs You’re NOT Ready to Buy a Home
Feb. 16, 2026

EP209 - 5 Signs You’re NOT Ready to Buy a Home

If you can’t confidently answer yes to these five checkpoints, you’re not ready to buy a home. In this episode, we break down the hard truths about knowing your numbers, avoiding house-poor mistakes, and why draining your sav...

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LIVE 02_11_26 - How LOW Can INTEREST RATES Really Go?
Feb. 12, 2026

LIVE 02_11_26 - How LOW Can INTEREST RATES Really Go?

If you’re waiting for mortgage rates to calm down before making a move, you might be waiting longer than you think. Rates remain volatile as mixed economic signals continue to roll in, with inflation cooling but employment su...

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Recent Blog Posts

5 Reasons You SHOULD NOT Buy a Home
Feb. 17, 2026

5 Reasons You SHOULD NOT Buy a Home

5 Signs You Are Not Ready to Buy a Home (And What to Do About It)By Josh Lewis, Certified Mortgage Consultant & Jeb Smith, Huntington Beach Realtor | The Educated Homebuyer PodcastEveryone wants to own a home. The question is not whether hom…

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The NEXT 60 Days Will Have A HUGE Impact On The 2026 Housing Market
Feb. 17, 2026

The NEXT 60 Days Will Have A HUGE Impact On The 2026 Housing Market

By Josh Lewis, CMC & Jeb Smith, Huntington Beach Realtor | The Educated Homebuyer Podcast, Episode 208Every year, the housing market goes quiet in December. Sellers wait. Buyers wait. Analysts publish year-end recaps filled with predictions ab…

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How The New FED Chair Will IMPACT Mortgage Interest Rates
Feb. 17, 2026

How The New FED Chair Will IMPACT Mortgage Interest Rates

What the New Fed Chair Really Means for Mortgage Rates and Homebuyers in 2026President Trump has nominated Kevin Warsh to replace Jerome Powell as Federal Reserve Chair. For homebuyers and homeowners across California and the country, the immedi…

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